高发癌症的“救命钱”，“沪惠保”能赔多少？！

Core Viewpoint - "沪惠保" provides financial relief for families affected by high-incidence cancers, addressing both the economic burden and the emotional toll of cancer treatment [2][3]. Group 1: Insurance Coverage and Benefits - "沪惠保" connects with basic medical insurance, offering five types of coverage with a maximum benefit of 3.1 million yuan, aimed at alleviating financial burdens for cancer patients [5]. - The insurance covers specific out-of-pocket medical expenses after reimbursement from Shanghai's basic medical insurance, including self-paid medications, testing fees, surgical materials, and treatment costs, with a claim limit of 1 million yuan [5]. - The plan includes coverage for 48 domestic special drugs, 28 overseas special drugs, and 4 CAR-T therapies, allowing unlimited claims as long as the drugs are within the coverage scope and meet the specified conditions [7]. Group 2: New Product Launch - A new product, "沪惠保-特定疾病保险," has been launched to provide a one-time payment for 11 high-incidence cancers in Shanghai, with a maximum payout of 200,000 yuan [10]. - The insurance amount varies by age group, with the highest coverage of 200,000 yuan for individuals aged 0-19 and decreasing amounts for older age groups [12]. Group 3: Promotional Offers - A promotional offer is available for those who purchase insurance through the "随申办市民云" app by July 31, providing a discount of 25 yuan when using digital RMB from the Bank of Communications, with limited availability [13].